The word “subrogation” means to “substitute”. When a person or company suffers personal injuries or property damage as the result of the action of a third party, that person or company’s insurance carrier will often pay for the damages of their insured. Then, since a third party is at fault, the insurance carrier will demand reimbursement for that payment from the third party. If the third party does not make payment, the result will be often be subrogation litigation. In this instance, pursuant to the terms of the insurance policy, the carrier will subrogate, or “step into the shoes” of the insured to sue the third party.